UTI Banking and Financial Services Fund - IDCW

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Returns (NAV as on 10th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	03-Oct-25	10139.70	1.40%	-	1.04%	67/238
1 Month	10-Sep-25	10321.70	3.22%	-	0.77%	17/235
3 Month	10-Jul-25	9945.60	-0.54%	-	0.77%	137/226
6 Month	09-Apr-25	11272.90	12.73%	-	16.54%	163/223
YTD	01-Jan-25	11210.80	12.11%	-	2.95%	18/212
1 Year	10-Oct-24	10984.30	9.84%	9.84%	-1.11%	13/193
2 Year	10-Oct-23	13858.90	38.59%	17.70%	18.82%	80/150
3 Year	10-Oct-22	16159.50	61.59%	17.33%	19.51%	81/126
5 Year	09-Oct-20	25425.50	154.25%	20.49%	22.06%	54/102
10 Year	09-Oct-15	29550.90	195.51%	11.43%	14.07%	64/75
Since Inception	19-Apr-04	181864.60	1718.65%	14.45%	12.33%	115/214

Returns Calculator

SIP Returns (NAV as on 10th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	10-Oct-24	12000	12975.39	8.13 %	15.37 %
2 Year	10-Oct-23	24000	27833.8	15.97 %	14.94 %
3 Year	10-Oct-22	36000	45814.05	27.26 %	16.28 %
5 Year	09-Oct-20	60000	88649.2	47.75 %	15.6 %
10 Year	09-Oct-15	120000	231011.9	92.51 %	12.57 %

SIP Calculator

Compare performance

Category	1 D	1 M	3 M	6 M	YTD	1 Y	2 Y	3 Y	5 Y
This Fund	0.50%	3.22%	-0.54%	12.73%	12.69%	9.84%	17.70%	17.33%	20.49%
Nifty 50	0.41%	1.25%	-0.28%	12.89%	6.94%	1.15%	13.30%	13.60%	16.22%
Benchmark: Nifty Financial Services TRI	0.44%	2.75%	-0.21%	12.20%	15.24%	14.07%	17.47%	16.15%	19.17%
Category Average	0.41%	0.77%	0.77%	16.54%	2.95%	-1.11%	18.82%	19.51%	22.06%
Category Rank	64/208	17/235	137/226	163/223	18/212	13/193	80/150	81/126	54/102
Best in Category	1.40%	5.20%	24.23%	116.57%	38.11%	46.39%	35.42%	36.63%	38.60%
Worst in Category	-1.27%	-4.04%	-8.39%	0.59%	-22.58%	-15.96%	2.61%	7.01%	4.65%

quartely results (NAV as on 10th October, 2025)

Period

This Fund

Nifty 50

Nifty Financial Services TRI

Category Average

2025

10.09%

6.50%

13.64%

1.87%

Q4 - 2025	1.73%	1.81%	1.74%	1.17%
Q3 - 2025	-4.58%	-3.64%	-4.06%	-0.78%
Q2 - 2025	13.10%	10.15%	10.78%	8.03%
Q1 - 2025	2.50%	-2.43%	3.85%	-2.54%

2024

11.93%

8.75%

9.58%

17.46%

Q4 - 2024	-5.50%	-8.34%	-3.94%	-5.84%
Q3 - 2024	4.17%	6.91%	3.59%	9.00%
Q2 - 2024	9.73%	7.48%	11.48%	12.41%
Q1 - 2024	-0.46%	3.31%	-1.21%	6.48%

2023

19.21%

19.48%

12.49%

28.15%

Q4 - 2023	10.69%	11.33%	8.73%	12.40%
Q3 - 2023	1.28%	1.07%	-2.57%	7.45%
Q2 - 2023	13.24%	10.29%	10.42%	8.99%
Q1 - 2023	-5.84%	-4.60%	-5.33%	-2.64%

2022

15.08%

3.24%

7.39%

2.73%

Q4 - 2022	9.00%	7.76%	10.45%	4.21%
Q3 - 2022	14.88%	8.52%	12.07%	11.21%
Q2 - 2022	-11.10%	-10.70%	-11.41%	-8.45%
Q1 - 2022	0.57%	-0.91%	-3.46%	0.68%

2021

12.98%

23.79%

14.14%

28.59%

Q4 - 2021	-5.68%	-1.02%	-4.45%	1.10%
Q3 - 2021	8.65%	12.36%	11.77%	9.86%
Q2 - 2021	5.04%	5.75%	3.36%	11.77%
Q1 - 2021	5.64%	4.80%	3.50%	8.71%

2020

-5.71%

14.77%

4.35%

15.95%

Q4 - 2020	36.93%	22.46%	38.89%	19.77%
Q3 - 2020	-0.89%	7.84%	-2.04%	9.11%
Q2 - 2020	18.71%	24.82%	18.11%	19.14%
Q1 - 2020	-42.66%	-29.43%	-36.07%	-24.43%

2019

11.36%

11.53%

24.40%

7.15%

Q4 - 2019	11.64%	7.12%	12.02%	4.63%
Q3 - 2019	-8.79%	-3.30%	-4.95%	-2.02%
Q2 - 2019	-0.40%	1.68%	9.57%	1.04%
Q1 - 2019	9.64%	6.96%	6.82%	5.29%

2018

-6.29%

4.09%

11.69%

-7.04%

Q4 - 2018	5.39%	-1.32%	8.21%	1.03%
Q3 - 2018	-7.41%	3.29%	-2.07%	-1.59%
Q2 - 2018	1.46%	4.36%	6.54%	-5.72%
Q1 - 2018	-6.15%	-2.14%	-1.08%	-6.30%

2017

43.52%

27.58%

42.02%

35.64%

Q4 - 2017	5.43%	5.84%	3.74%	11.34%
Q3 - 2017	4.38%	2.54%	5.02%	3.91%
Q2 - 2017	9.08%	3.06%	7.57%	4.16%
Q1 - 2017	19.56%	12.16%	19.58%	14.07%

2016

11.58%

2.72%

3.00%

4.64%

Q4 - 2016	-9.08%	-6.39%	-9.81%	-4.49%
Q3 - 2016	8.00%	3.40%	8.55%	6.62%
Q2 - 2016	11.55%	7.45%	11.08%	6.23%
Q1 - 2016	-4.55%	-2.82%	-7.22%	-4.64%

2015

-12.18%

-4.08%

-5.25%

0.58%

Q4 - 2015	-3.48%	-0.06%	0.90%	1.64%
Q3 - 2015	-4.61%	-5.96%	-7.14%	-2.95%
Q2 - 2015	0.11%	-2.54%	-2.49%	-1.05%
Q1 - 2015	-4.47%	2.50%	1.32%	3.40%

2014

64%

31.44%

57.52%

48.81%

Q4 - 2014	21.37%	4.24%	18.48%	9.65%
Q3 -	--	4.32%	1.09%	--
Q2 - 2014	21.22%	13.25%	19.48%	23.20%
Q1 - 2014	11.80%	6.39%	11.31%	6.68%

Best Quarters

Period	This Fund	Nifty 50	Nifty Financial Services TRI	Category Average
Q4 - 2020	36.93%	22.46%	38.89%	19.77%
Q4 - 2020	31.03%	22.46%	38.89%	19.77%
Q4 - 2014	21.37%	4.24%	18.48%	9.65%

Worst Quarters

Period	This Fund	Nifty 50	Nifty Financial Services TRI	Category Average
Q1 - 2020	-42.66%	-29.43%	-36.07%	-24.43%
Q2 - 2022	-11.10%	-10.70%	-11.41%	-8.45%
Q1 - 2020	-42.53%	-29.43%	-36.07%	-24.43%

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NITINPIMPALE
MF Investment Help
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2 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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14 days ago

View more

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The Fixed Income
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1 days ago

Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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64 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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77 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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115 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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